v3.25.4
OPERATING SEGMENT INFORMATION (Tables)
 12 Months Ended
Dec. 31, 2025
Segment Reporting [Abstract]  
Schedule of Segment Reporting Information, by Segment
The following schedule presents selected operating segment information that is regularly provided to the CODM to evaluate performance and allocate resources:
(In millions)Zions BankCB&TAmegy
202520242023202520242023202520242023
SELECTED INCOME STATEMENT DATA
Net interest income 1
$738 $692 $698 $647 $584 $602 $565 $496 $457 
Provision for credit losses14 (8)20 53 42 44 8 22 15 
Net interest income after provision for credit losses
724 700 678 594 542 558 557 474 442 
Noninterest income190 187 192 126 121 116 189 175 184 
Noninterest expense:
Salaries and employee benefits140 141 142 130 126 126 112 112 107 
Technology, telecom, and information processing16 14 16 5 5 5 8 8 8 
Occupancy and equipment, net28 27 27 35 33 34 33 33 28 
Other direct expenses 2
58 71 96 44 42 58 50 56 70 
Indirect/allocated expenses328 318 301 219 197 188 262 247 240 
Total noninterest expense570 571 582 433 403 411 465 456 453 
Income (loss) before taxes$344 $316 $288 $287 $260 $263 $281 $193 $173 
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans$15,035 $14,799 $14,296 $15,098 $14,286 $14,128 $14,220 $13,398 $12,851 
Total average deposits21,151 21,151 20,233 15,334 14,582 14,253 14,777 14,792 13,569 
(In millions)NBAZNSBVectra
202520242023202520242023202520242023
SELECTED INCOME STATEMENT DATA
Net interest income 1
$262 $245 $249 $213 $197 $192 $143 $148 $151 
Provision for credit losses(14)17 4 (2)(11)42 9 3 7 
Net interest income after provision for credit losses
276 228 245 215 208 150 134 145 144 
Noninterest income44 43 40 52 52 45 36 29 28 
Noninterest expense:
Salaries and employee benefits53 54 55 44 46 45 40 41 41 
Technology, telecom, and information processing4 4 4 6 6 5 3 2 3 
Occupancy and equipment, net10 11 10 11 11 12 12 11 12 
Other direct expenses 2
24 26 29 18 21 27 13 14 18 
Indirect/allocated expenses104 101 96 95 93 85 69 69 67 
Total noninterest expense195 196 194 174 177 174 137 137 141 
Income (loss) before taxes$125 $75 $91 $93 $83 $21 $33 $37 $31 
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans$5,596 $5,683 $5,318 $3,718 $3,555 $3,392 $3,846 $4,063 $4,004 
Total average deposits6,915 6,933 7,008 7,141 7,169 6,964 3,417 3,505 3,482 
(In millions)TCBWOtherConsolidated Bank
202520242023202520242023202520242023
SELECTED INCOME STATEMENT DATA
Net interest income 1
$71 $63 $61 $(12)$5 $28 $2,627 $2,430 $2,438 
Provision for credit losses3 9 2 1 (2)(2)72 72 132 
Net interest income after provision for credit losses
68 54 59 (13)7 30 2,555 2,358 2,306 
Noninterest income8 8 7 113 85 65 758 700 677 
Noninterest expense:
Salaries and employee benefits13 12 13 818 755 746 1,350 1,287 1,275 
Technology, telecom, and information processing2 2 2 232 219 197 276 260 240 
Occupancy and equipment, net3 3 2 34 32 35 166 161 160 
Other direct expenses 2
4 5 7 135 103 117 346 338 422 
Indirect/allocated expenses14 11 11 (1,091)(1,036)(988)— — — 
Total noninterest expense36 33 35 128 73 107 2,138 2,046 2,097 
Income (loss) before taxes$40 $29 $31 $(28)$19 $(12)$1,175 $1,012 $886 
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans$2,005 $1,805 $1,705 $903 $958 $1,046 $60,421 $58,547 $56,740 
Total average deposits1,155 1,144 1,196 4,983 5,484 6,161 74,873 74,760 72,866 
1 Interest income is shown net of interest expense consistent with the information regularly provided to the CODM and used to evaluate segment performance.
2 Other direct expenses include professional and legal services, marketing and business development, deposit insurance and regulatory expense, credit-related expense, other real estate expense, and other noninterest expenses.